Why Capvartis?
For decades, captive insurance has been structurally rationed.
Not because the economics only work at scale, they don’t. But because the cost of accessing it did. Feasibility studies, legal formation, actuarial sign off, and ongoing management meant only businesses spending upwards of $1million in annual premium could justify the process. Everyone below that threshold was told to keep paying their insurer. That barrier was never about risk. It was about access.
CaptiveIQ dismantles it. Our proprietary actuarial modelling engine and machine learning risk profiling replace the consultant led process entirely, compressing months of engagement into a platform driven analysis you can initiate, review, and present to your board yourself. Whether the right structure for your business is a Pure Captive, a Protected Cell, or a Group Captive, CaptiveIQ models all three, identifying which delivers the optimal combination of capital efficiency, risk retention, and cost of entry for your specific exposure profile.
From insight to active captive in days
Most CFOs in growing businesses reach the same point. Premiums keep rising. Coverage keeps narrowing. And every conversation with their broker ends the same way, with an acceptance that this is simply how the market works right now.
It isn’t. There is an alternative that the world’s largest companies have used for decades to take control of their insurance costs, retain underwriting profit, and build a financial structure that works for them rather than their insurer. Until now, accessing it required months of consultant-led analysis, significant legal and formation costs, and a minimum premium spend that put it beyond the reach of most mid-market businesses.
CaptiveIQ changes that. Our AI-driven feasibility engine analyses your specific risk profile, your loss history, your exposure, your retention behaviour, and tells you in days whether an alternative structure makes financial sense for your business, which structure is right, and what it would mean
Features
Capvartis helps finance, risk, and executive teams move from reactive insurance buying to structured captive strategy with the analysis, infrastructure, and guidance to make confident decisions faster.
The CFO whose renewal just came in 23% higher again.
Your loss record is clean. Your risk management is tighter than it was three years ago. And yet every renewal delivers the same result: higher premiums, narrower terms, and an underwriter who has never visited your business making decisions about your risk. CaptiveIQ was built for you. We quantify exactly how much of your premium spend reflects your actual risk and how much you are subsidising the rest of the market. For mid market businesses with £250,000 or more in annual premium, the numbers are rarely flattering to your insurer.
If your loss experience is better than the market assumes, you are overpaying. CaptiveIQ tells you by how much.
The broker whose best clients are starting to ask questions they can’t answer.
Hard market conditions have changed the conversation. Clients who never questioned their insurance programme are now asking why premiums keep rising when claims don’t. Some are exploring captives. Some are already talking to consultants. CaptiveIQ gives you the analytical capability to lead that conversation not follow it. Instant feasibility modelling, AI driven risk profiling, and board ready financial outputs, co branded to your firm. You bring the client insight. We provide the actuarial engine behind it.
Keep the relationship. Add a capability your competitors don’t have. Earn on the captive structure too.
The risk manager who knows a captive makes sense but needs the data to prove it.
You have seen the loss history. You know which lines your business consistently outperforms market expectations on. But turning that instinct into a boardroom recommendation requires financial modelling, capital analysis, and jurisdictional comparison that traditionally costs six figures and takes months to produce. CaptiveIQ compresses that process into days. Frequency and severity modelling, retention optimisation, stress tested financial scenarios, and a full domicile comparison all generated from your own exposure data, all presented in a format your CFO and board can act on.
Stop presenting the case for a captive with a spreadsheet. Present it with an actuarial model.
